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Transcript of Investor Relations | page 1 Investor Relations | 1 Institutional Presentation March, 2007 Unibanco...

Slide 1Investor Relations
Publicly traded at Bovespa (Brazil) and NYSE
Level I Corporate Governance on the Bovespa
Level III ADR on the NYSE and a member of IBOVESPA
Very liquid stock:
R$171.8 / US$85.5 mln ADTV* at NYSE
Financial statements in US GAAP since 1997
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Offers investment products via Unibanco Asset Management to individuals and institutional investors and covers high net worth individuals, in the private banking segment
Total assets under management: R$45.6 billion
2nd place in Private Banking (Anbid), with a 9.5% market share as of March, 2007
A Snapshot of Unibanco
As of March 2007
Benchmark in consumer finance and wholesale business
Serves individuals and SMEs with annual revenues lower than R$150 million
More than 24 million clients
Leading Consumer Finance franchise
Improvement of the credit card portfolio, which posted a 24% growth over the past 12 months
Payroll linked loans portfolio presented a growth of 64.5% when compared to March 2006
Retail and Consumer Credit
Wholesale
Full coverage of more than 2,000 corporations with annual revenues greater than R$150 million, in addition to institutional investors in Brazil and internationally
Investment Banking: M&A, Capital Markets & Project Finance
The Wholesale loan portfolio reached R$19,671, up 19.9% over the past 12 months
Wealth Management
CROSS SELLING
Individuals and corporate: life, auto, assets, disability, pension funds and annuities
Unibanco AIG operational results: 13% up from 1Q06
Unibanco Insurance and Pension Plans placed 4th in the ranking of private pension plans published by Susep, with a 9.1% market share as of February, 2007
Insurance & Annuity
– Unibanco AIG
Israel Vainboim
Rogério Calderón
Investor Relations | *
Over 80 years of history to become one of the leading full service banks in Brazil
Timeline
Branches
North
Northeast
Southeast
South
Mid-West
11
69
701
122
44
Brazil
947
Construction Loans to Developers aiming the final buyer’s mortgage
Sistema Fácil
Plano Único
(credit analysis in less than 30 minutes)
Improvement of customer services (Unibanco takes care of all the necessary documents)(1)
Closer relationship with developers and brokers through agreements (Rede Secovi, Lopes)
Unibanco is preparing itself for the development of this market in Brazil
(1) Valid for the cities of São Paulo, Rio de janeiro, Belo Horizonte and Recife
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Focus: New Trucks & Buses (Financed Units)
R$ Millions
1Q06 = 100
Total Cards
- Payroll loans: 20.9% (64.5% YoY)
- Car loans: 9.0% (34.0% YoY)
- SMEs: 5.8% (20.3% YoY)
Loan
Portfolio
18.4% reduction in provision for loan losses, 1Q07 vs 1Q06 (down 1.7% QoQ)
Better ratio of D-H portfolio over total loans (6.2% vis-à-vis 8.0% in March 2006)
Higher E-H portfolio coverage ratio, 116%, compared to 113% in March 2006
Asset Quality Improvement
Stocks
Unibanco ADTV(1) (Bovespa + NYSE): R$220 million in 1Q07 versus R$179 million in 1Q06, a 23% increase
Market Capitalization(2): R$30.2 billion
- 7.8% reduction compared to 4Q06
- 4.2% up in 12 months
- 1.8% up in 12 months for companies under Unibanco’s direct management
Highlights
(2) As of May 9th, 2007
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4Q06
(524)
(533)
(642)
2,408
2,490
2,358
1Q07
Operating Income
Net Income
Total Assets
Loan Portfolio
-730 b.p.
Total Deposits + Debentures (A)
Core Deposits / Total Deposits
4,014
7,510
5,478
45,606
17,002
29,430
92,038
46,432
49%
3,959
12,811
81,460
41,536
Stocks
Unibanco was the first Brazilian bank to be listed on the New York Stock Exchange (NYSE)
In 2007, Unibanco celebrates its 10th anniversary of listing in the american market
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On April 27th, 2007, Moody’s Investors Service upgraded Unibanco’s Financial Strength rating to B- (B minus) from C-, representing a 3-notch upgrade
The new rating is the highest assigned in the country, and places Unibanco among the top Brazilian banks in Financial Strength. Only 2 other financial institutions obtained the same rating
Unibanco's Rating is upgraded
Ratings
Fitch Ratings upgraded, on May 14th, 2007, Unibanco's rating to BBB-, which represents an investment grade.
The rating refers to the long-term foreign currency IDR (Issuer Defaut Rating) and is the highest among Brazilian Financial Institutions. This current level is also higher than the rating assigned to Brazil, BB+.
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Unibanco
P-1
A1
Brazil
A1
P-1
(1) The Baa3 rating was attributed to the MTN Programme (Medium Term Note Programme) of Unibanco and also to the notes indexed to the IGP-M (General Market Price Index) and payable in US dollars issued by Unibanco Grand Cayman Branch.
Investor Relations | page *
Unibanco and Unibanco Holdings, S.A.
This presentation contains forward-looking statements regarding Unibanco, its subsidiaries and affiliates - anticipated synergies, growth plans, projected results and future strategies. Although these forward-looking statements reflect management’s good faith beliefs, they involve known and unknown risks and uncertainties that may cause the Company’s actual results or outcomes to be materially different from those anticipated and discussed herein. These risks and uncertainties include, but are not limited to our ability to realize the amount of the projected synergies and the timetable projected, as well as economic, competitive, governmental and technological factors affecting Unibanco’s operations, Junkets, products and prices, and other factors detailed in Unibanco’s filings with the Securities and Exchange Commission which readers are urged to read carefully in assessing the forward-looking statements contained herein. Unibanco undertakes in duty to update any of the projections contained herein.
Investor Relations
phone: 5511-3584-1980
fax: 5511-3584-1585
email: investor.relations@unibanco.com
site: www.ir.unibanco.com